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Feature	HDFC Bank HDFC Bank PIXEL Play Credit Card	IDFC FIRST Bank IDFC FIRST EA₹N Credit Card
Card essentials Start with pricing, network and the baseline earning rate.
Issuer	HDFC Bank	IDFC FIRST Bank
Network	RuPay	RuPay
Annual fee	₹500 + GST per year	₹499 + GST per year
Annual fee waiver	At ₹1,00,000 annual spending	At ₹1,00,000 annual spending
Base reward rate	1%	0.5%
Limits and access Check caps, eligibility and useful access benefits before deciding.
Reward caps	Selected PIXEL packs: ₹500/month · SmartBuy CashPoints: ₹500/month · Ecommerce-choice CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month	Total statement cashback: ₹500/statement cycle
RuPay credit card on UPI	Eligible for merchant UPI payments	Eligible for merchant UPI payments
Airport lounge access	No complimentary airport lounge access recorded	No complimentary airport lounge access recorded
Forex markup	3.5%	0%
Monthly income requirement	Approx. ₹25,000/month	Fixed-deposit backed
Terms verified	21 Sept 2026	24 Sept 2026
Best suited to	PayZapp users who want to actively tune their reward categories rather than accept a fixed list.	First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit.
Main trade-off	You have to actively select and update your merchant packs in the PayZapp app: the accelerated rate does nothing on categories you forget to pick.	The 1% rate requires the bank app, cashback is capped at ₹500 per statement cycle, and all cashback for a cycle is forfeited if the minimum amount due is not paid by the due date.
Actions	Full analysis Apply ↗	Full analysis Apply ↗

Comparison11 decision pointsScan across each row to compare like for like.	HDFC BankHDFC Bank PIXEL Play Credit Card Entry · RuPay	IDFC FIRST BankIDFC FIRST EA₹N Credit Card Entry · RuPay
Card essentialsStart with pricing, network and the baseline earning rate.
Issuer	HDFC Bank	IDFC FIRST Bank
Network	RuPay	RuPay
Annual fee	₹500 + GST per year	₹499 + GST per year
Annual fee waiver	At ₹1,00,000 annual spending	At ₹1,00,000 annual spending
Base reward rate	1%	0.5%
Limits and accessCheck caps, eligibility and useful access benefits before deciding.
Reward caps	Selected PIXEL packs: ₹500/month · SmartBuy CashPoints: ₹500/month · Ecommerce-choice CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month	Total statement cashback: ₹500/statement cycle
RuPay credit card on UPI	Eligible for merchant UPI payments	Eligible for merchant UPI payments
Airport lounge access	No complimentary airport lounge access recorded	No complimentary airport lounge access recorded
Forex markup	3.5%	0%
Monthly income requirement	Approx. ₹25,000/month	Fixed-deposit backed
Terms verified	21 Sept 2026	24 Sept 2026

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HDFC Bank PIXEL Play Credit Card

PayZapp users who want to actively tune their reward categories rather than accept a fixed list.

Main trade-off

You have to actively select and update your merchant packs in the PayZapp app: the accelerated rate does nothing on categories you forget to pick.

Full analysis →Apply ↗

IDFC FIRST EA₹N Credit Card

First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit.

Main trade-off

The 1% rate requires the bank app, cashback is capped at ₹500 per statement cycle, and all cashback for a cycle is forfeited if the minimum amount due is not paid by the due date.

Full analysis →Apply ↗